Got my second MYOP bottle after 2 years. The first one I had was valentine ( clone for Sauvage) this one is Aqua Marine ( ADG)
So far it is amazing. Excellent value for money.
Notes are almost identical to an Aqua di Gio EDT.
Performance wise also it is at par. I feel this is even higher concentration so similar to a parfum range.
Highly recommended if you are a fan of Aqua di Gio DNA of fragrances.
I need some opinion on NPS. I already some 8 lacs in my NPS from a previous employer (PSU). The funds are marked under my contribution as they were transferred to NPS post my resignation as PSUs have a separate scheme and they transfer only to the NPS if you resign.
Anyways, now I am under new tax regime. The way I am seeing it if I am able to invest 160k per annum , I am able to save close to 40k in taxes alone.
That to my calculation will compound to atleast 20 lacs in 15 years just from the tax saving part alone. This is money I would have given to the govt.
The other logic is am I patient and smart enough to take that money in hand which would be 120k pa and invest it so that it outperforms my 160k pa investment ( assuming step up for both at 5-7% annually )
Am I making any sense here?